Symbols / PRHI $0.80 +3.76% Presurance Holdings, Inc.

Financial Services • Insurance - Property & Casualty • United States • NCM
PRHI Chart
About

Presurance Holdings, Inc., an insurance holding company, provides specialty property, and casualty insurance in the United States. The company provides specialty insurance coverage for individuals, businesses, and communities. It offers both specialty commercial and specialty personal product lines. It offers insurance services to various sectors including hospitality, such as restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors, such as plumbers, painters, carpenters, electricians and other independent contractors; security service providers, such as companies that provide security guard services, security alarm products and services, and private investigative services; and automobile repair and used car facilities. Additionally, it offers catastrophic coverage, including hurricane and wind coverage, to homeowners in Florida, Hawaii and Texas; and dwelling insurance for owners of lower value homes. The company was formerly known as Conifer Holdings, Inc. and changed its name to Presurance Holdings, Inc. in September 2025. The company was incorporated in 2009 and is headquartered in Troy, Michigan.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Insurance - Property & C Market Cap 21.00M
Enterprise Value -5.16M Income -18.44M Sales 37.08M
Book/sh 0.73 Cash/sh 1.99 Dividend Yield —
Payout 0.00% Employees — IPO —
P/E — Forward P/E — PEG —
P/S 0.57 P/B 1.09 P/C —
EV/EBITDA 0.24 EV/Sales -0.14 Quick Ratio 0.51
Current Ratio 1.27 Debt/Eq 297.64 LT Debt/Eq —
EPS (ttm) -1.51 EPS next Y — EPS Growth —
Revenue Growth -52.80% Earnings 2023-08-09 16:00 ROA -5.12%
ROE -120.94% ROIC — Gross Margin -26.59%
Oper. Margin -210.11% Profit Margin -49.72% Shs Outstand 26.22M
Shs Float 13.14M Short Float 0.15% Short Ratio 0.28
Short Interest — 52W High 2.83 52W Low 0.48
Beta 0.91 Avg Volume 109.16K Volume 74.47K
Target Price — Recom None Prev Close $0.77
Price $0.80 Change 3.76%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$0.80
Latest analyst target
3. DCF / Fair value
$-88.85
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$0.80
Low
—
High
—
Mean
—
News
RSS: Latest PRHI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-01 RONEY BRIAN J Chief Executive Officer — 100,000 $0.72 $71,810
2026-02-27 CLARKSTON VENTURES, L.L.C. Beneficial Owner of more than 10% of a Class of Security — 4,277,455 $1.00 $4,277,455
2026-02-27 CLARKSTON COMPANIES, INC. Beneficial Owner of more than 10% of a Class of Security — 9,065,360 $0.72 $6,517,994
2025-04-09 SMITH JAMES GRANT Director — 16,000 $0.68 $10,880
2025-04-07 MELOCHE HAROLD J Chief Financial Officer — 22,000 $0.52 $11,458
2025-04-07 SARAFA JOSEPH D Director — 100,000 $0.53 $53,000
2024-12-12 RONEY BRIAN J Chief Executive Officer — 100,000 $1.10 $110,000
2024-12-12 HAKALA JEFFREY ANTHONY Director and Beneficial Owner of more than 10% of a Class of Security — 100,000 $1.10 $110,000
2024-12-12 CLARKSTON VENTURES, L.L.C. Beneficial Owner of more than 10% of a Class of Security — 100,000 $1.10 $110,000
2024-12-12 HAKALA GERALD W Beneficial Owner of more than 10% of a Class of Security — 100,000 $1.10 $110,000
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
36.94
-44.28%
66.30
-26.31%
89.97
-11.34%
101.48
Operating Revenue
36.94
-44.28%
66.30
-26.31%
89.97
-11.34%
101.48
Selling General And Administration
—
—
—
18.79
Other Operating Expenses
11.33
+2.95%
11.00
-32.02%
16.19
-13.85%
18.79
Total Expenses
55.24
-46.04%
102.38
-12.95%
117.60
-3.58%
121.97
Reconciled Depreciation
0.26
-84.74%
1.67
+206.61%
0.55
+30.70%
0.42
EBIT
-15.11
+51.56%
-31.20
-27.72%
-24.43
-39.43%
-17.52
Total Unusual Items
6.22
+4160.27%
0.15
-93.75%
2.33
-73.50%
8.81
Total Unusual Items Excluding Goodwill
6.22
+4160.27%
0.15
-93.75%
2.33
-73.50%
8.81
Special Income Charges
6.22
+4160.27%
0.15
-93.75%
2.33
-73.50%
8.81
Other Special Charges
—
—
-2.33
—
Restructuring And Mergern Acquisition
-6.22
-4160.27%
-0.15
0.00
+100.00%
-8.81
Net Income
-18.44
-175.73%
24.35
+193.99%
-25.90
-142.52%
-10.68
Pretax Income
-18.30
+49.29%
-36.08
-30.57%
-27.63
-34.86%
-20.49
Net Non Operating Interest Income Expense
-3.19
+34.77%
-4.88
-52.31%
-3.21
-7.91%
-2.97
Interest Expense Non Operating
3.19
-34.77%
4.88
+52.31%
3.21
+7.91%
2.97
Net Interest Income
-3.19
+34.77%
-4.88
-52.31%
-3.21
-7.91%
-2.97
Interest Expense
3.19
-34.77%
4.88
+52.31%
3.21
+7.91%
2.97
Other Income Expense
—
—
0.69
-48.74%
1.35
Tax Provision
0.14
+107.66%
-1.84
-421.25%
-0.35
+96.26%
-9.44
Tax Rate For Calcs
0.00
+311.78%
0.00
+292.29%
0.00
-93.81%
0.00
Tax Effect Of Unusual Items
1.31
+17443.07%
0.01
0.00
-100.00%
1.85
Net Income Including Noncontrolling Interests
-18.44
-175.73%
24.35
+193.99%
-25.90
-142.52%
-10.68
Net Income From Continuing Operation Net Minority Interest
-18.44
+46.15%
-34.24
-25.52%
-27.28
-155.40%
-10.68
Net Income From Continuing And Discontinued Operation
-18.44
-175.73%
24.35
+193.99%
-25.90
-142.52%
-10.68
Net Income Continuous Operations
-18.44
+46.15%
-34.24
-25.52%
-27.28
-155.40%
-10.68
Net Income Discontinuous Operations
0.00
-100.00%
58.59
+4160.87%
1.38
—
Normalized Income
-23.35
+32.07%
-34.38
-26.03%
-27.28
-54.63%
-17.64
Net Income Common Stockholders
-18.44
-178.36%
23.53
+190.77%
-25.92
-142.70%
-10.68
Diluted EPS
-1.51
-178.24%
1.93
+191.04%
-2.12
-112.00%
-1.00
Basic EPS
-1.51
-178.24%
1.93
+191.04%
-2.12
-112.00%
-1.00
Basic Average Shares
12.22
+0.00%
12.22
+0.02%
12.22
+14.29%
10.69
Diluted Average Shares
12.22
+0.00%
12.22
+0.02%
12.22
+14.29%
10.69
Diluted NI Availto Com Stockholders
-18.44
-178.36%
23.53
+190.77%
-25.92
-142.70%
-10.68
Earnings From Equity Interest Net Of Tax
—
—
-0.25
-168.21%
0.37
Loss Adjustment Expense
38.54
-47.42%
73.30
-11.06%
82.41
+1.19%
81.44
Net Policyholder Benefits And Claims
38.54
-47.42%
73.30
-11.06%
82.41
+1.19%
81.44
Policyholder Benefits Ceded
14.69
-65.70%
42.83
+11.47%
38.42
+9.64%
35.05
Policyholder Benefits Gross
53.23
-54.16%
116.13
-3.89%
120.84
+3.73%
116.49
Preferred Stock Dividends
—
0.82
+4200.00%
0.02
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
239.28
-15.04%
281.66
-10.76%
315.61
+1.04%
312.35
Cash Cash Equivalents And Short Term Investments
140.39
-9.11%
154.47
+0.56%
153.61
-6.43%
164.16
Cash And Cash Equivalents
27.36
-1.06%
27.65
+159.35%
10.66
-61.97%
28.04
Other Short Term Investments
113.03
-10.87%
126.82
-11.29%
142.95
+5.01%
136.13
Receivables
79.65
-27.18%
109.38
-3.92%
113.84
+1.31%
112.37
Accounts Receivable
75.36
-25.62%
101.31
-10.18%
112.79
+1.52%
111.11
Other Receivables
4.29
-46.84%
8.07
—
—
Prepaid Assets
12.02
+97.50%
6.09
-78.94%
28.91
+76.28%
16.40
Investments And Advances
114.31
-10.99%
128.42
-11.62%
145.31
+5.76%
137.40
Total Liabilities Net Minority Interest
230.32
-11.46%
260.13
-16.82%
312.72
+6.58%
293.40
Payables And Accrued Expenses
2.50
+250000.00%
0.00
-99.99%
14.23
+131.64%
6.14
Payables
2.50
+250000.00%
0.00
-99.99%
14.23
+131.64%
6.14
Accounts Payable
2.50
+250000.00%
0.00
-99.99%
14.23
+131.64%
6.14
Current Debt And Capital Lease Obligation
—
—
—
—
Current Debt
—
—
—
—
Long Term Debt And Capital Lease Obligation
12.19
+2.14%
11.93
-52.39%
25.06
-26.02%
33.88
Long Term Debt
12.19
+2.14%
11.93
-52.39%
25.06
-26.02%
33.88
Preferred Securities Outside Stock Equity
14.38
0.00
—
—
Stockholders Equity
8.97
-58.35%
21.52
+645.07%
2.89
-84.75%
18.95
Common Stock Equity
8.97
-58.35%
21.52
+791.90%
-3.11
-116.42%
18.95
Capital Stock
100.16
+2.02%
98.18
-5.69%
104.10
+6.32%
97.91
Common Stock
100.16
+2.02%
98.18
+0.08%
98.10
+0.19%
97.91
Preferred Stock
0.00
0.00
-100.00%
6.00
0.00
Share Issued
12.22
+0.00%
12.22
+0.00%
12.22
+0.06%
12.22
Ordinary Shares Number
12.22
+0.00%
12.22
+0.00%
12.22
+0.06%
12.22
Retained Earnings
-81.59
-29.20%
-63.15
+27.14%
-86.68
-42.66%
-60.76
Gains Losses Not Affecting Retained Earnings
-9.60
+28.88%
-13.50
+7.08%
-14.53
+20.19%
-18.20
Other Equity Adjustments
-9.60
+28.88%
-13.50
+7.08%
-14.53
+20.19%
-18.20
Total Equity Gross Minority Interest
8.97
-58.35%
21.52
+645.07%
2.89
-84.75%
18.95
Total Capitalization
21.15
-36.78%
33.46
+19.70%
27.95
-47.09%
52.83
Invested Capital
21.15
-36.78%
33.46
+52.42%
21.95
-58.45%
52.83
Total Debt
12.19
+2.14%
11.93
-52.39%
25.06
-26.02%
33.88
Net Debt
—
—
14.40
+146.50%
5.84
Net Tangible Assets
8.97
-58.35%
21.52
+645.07%
2.89
-84.75%
18.95
Tangible Book Value
8.97
-58.35%
21.52
+791.90%
-3.11
-116.42%
18.95
Line Of Credit
—
—
—
—
Preferred Stock Equity
—
—
6.00
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-43.88
-34.28%
-32.68
-144.02%
-13.39
+66.91%
-40.47
Cash Flow From Continuing Operating Activities
-43.88
-22.32%
-35.87
-372.65%
-7.59
+81.25%
-40.47
Cash From Discontinued Operating Activities
0.00
-100.00%
3.19
+155.07%
-5.80
—
Net Income From Continuing Operations
-18.44
+46.15%
-34.24
-25.52%
-27.28
-155.40%
-10.68
Depreciation And Amortization
0.26
-84.74%
1.67
+206.61%
0.55
+30.70%
0.42
Other Non Cash Items
-6.22
-144.21%
-2.55
-1668.75%
-0.14
-340.00%
0.06
Stock Based Compensation
0.06
-28.21%
0.08
-58.95%
0.19
-9.95%
0.21
Deferred Tax
0.00
0.00
-100.00%
0.33
+103.49%
-9.40
Deferred Income Tax
0.00
0.00
-100.00%
0.33
+103.49%
-9.40
Operating Gains Losses
0.72
+472.80%
0.12
+525.00%
0.02
+100.23%
-8.88
Gain Loss On Investment Securities
0.72
+472.80%
0.12
+525.00%
0.02
-98.67%
1.50
Unrealized Gain Loss On Investment Securities
-0.23
-215.27%
0.20
+133.39%
-0.61
-50.87%
-0.40
Gain Loss On Sale Of PPE
—
—
-2.33
-7175.76%
0.03
Change In Working Capital
-20.16
-2605.91%
-0.74
-103.68%
20.23
+266.91%
-12.12
Change In Receivables
25.95
+131.02%
11.23
+563.89%
1.69
+103.51%
-48.21
Changes In Account Receivables
25.95
+131.02%
11.23
+563.89%
1.69
+103.51%
-48.21
Change In Prepaid Assets
-5.94
-126.01%
22.82
+282.43%
-12.51
-54.47%
-8.10
Change In Payables And Accrued Expense
5.06
+127.69%
-18.27
-332.72%
7.85
+261.04%
2.17
Change In Payable
5.06
+127.69%
-18.27
-332.72%
7.85
+261.04%
2.17
Change In Account Payable
5.06
+127.69%
-18.27
-332.72%
7.85
+261.04%
2.17
Change In Other Current Assets
0.51
-76.21%
2.13
+422.02%
-0.66
-380.43%
-0.14
Investing Cash Flow
28.09
-60.04%
70.29
+25943.38%
-0.27
-100.48%
56.50
Cash Flow From Continuing Investing Activities
28.09
-63.74%
77.48
+4731.08%
-1.67
-102.96%
56.50
Cash From Discontinued Investing Activities
0.00
+100.00%
-7.18
-612.78%
1.40
—
Net Investment Purchase And Sale
18.09
-5.78%
19.20
+1247.64%
-1.67
-106.39%
26.19
Purchase Of Investment
-301.15
-55.56%
-193.59
+17.58%
-234.87
+26.19%
-318.23
Sale Of Investment
319.24
+50.03%
212.79
-8.75%
233.20
-32.29%
344.42
Net Business Purchase And Sale
10.00
-82.84%
58.28
0.00
-100.00%
30.32
Purchase Of Business
—
—
-0.93
+61.78%
-2.44
Gain Loss On Sale Of Business
—
—
0.00
+100.00%
-10.05
Net Intangibles Purchase And Sale
—
—
2.33
0.00
Net Other Investing Changes
—
—
—
—
Financing Cash Flow
15.50
+173.51%
-21.09
-549.60%
-3.25
-255.09%
2.09
Cash Flow From Continuing Financing Activities
15.50
+173.51%
-21.09
-549.60%
-3.25
-255.09%
2.09
Net Issuance Payments Of Debt
0.00
+100.00%
-14.25
-96.71%
-7.24
-148.34%
-2.92
Issuance Of Debt
—
0.00
-100.00%
6.73
-65.50%
19.50
Repayment Of Debt
0.00
+100.00%
-14.25
-2.00%
-13.97
+37.68%
-22.42
Long Term Debt Issuance
—
0.00
-100.00%
6.73
0.00
Long Term Debt Payments
0.00
+100.00%
-14.25
-2.00%
-13.97
-378.95%
-2.92
Net Long Term Debt Issuance
—
-14.25
-96.71%
-7.24
-148.34%
-2.92
Short Term Debt Issuance
—
—
0.00
-100.00%
19.50
Short Term Debt Payments
—
—
0.00
+100.00%
-19.50
Net Short Term Debt Issuance
—
—
0.00
0.00
Net Common Stock Issuance
—
0.00
+100.00%
-0.00
-100.06%
5.01
Common Stock Payments
—
0.00
+100.00%
-0.00
—
Cash Dividends Paid
0.00
+100.00%
-0.44
0.00
—
Repurchase Of Capital Stock
0.00
+100.00%
-6.40
-213133.33%
-0.00
—
Proceeds From Stock Option Exercised
1.92
0.00
—
—
Net Other Financing Charges
—
—
-2.00
—
Changes In Cash
-0.29
-101.77%
16.53
+197.75%
-16.91
-193.31%
18.12
Beginning Cash Position
27.65
+148.58%
11.12
-60.32%
28.04
+182.81%
9.91
End Cash Position
27.36
-1.06%
27.65
+148.58%
11.12
-60.32%
28.04
Free Cash Flow
-43.88
-34.28%
-32.68
-144.02%
-13.39
+66.91%
-40.47
Interest Paid Supplemental Data
2.35
-44.81%
4.26
+38.45%
3.08
+3.29%
2.98
Income Tax Paid Supplemental Data
0.14
+14200.00%
0.00
+0.00%
0.00
—
Amortization Of Securities
0.14
+133.89%
-0.42
+51.89%
-0.87
-372.19%
0.32
Common Stock Issuance
—
—
0.00
-100.00%
5.01
Dividends Received CFI
—
—
—
0.00
Earnings Losses From Equity Investments
—
—
0.25
+168.21%
-0.37
Issuance Of Capital Stock
13.58
0.00
-100.00%
6.00
+19.76%
5.01
Net Preferred Stock Issuance
13.58
+312.22%
-6.40
-206.62%
6.00
0.00
Preferred Stock Dividend Paid
0.00
+100.00%
-0.44
0.00
—
Preferred Stock Issuance
13.58
0.00
-100.00%
6.00
0.00
Preferred Stock Payments
0.00
+100.00%
-6.40
0.00
—
Sale Of Business
10.00
-82.84%
58.28
0.00
-100.00%
32.76
Sale Of Intangibles
—
—
2.33
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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